Best Bank Loans for Property Investors | Homejourney Guide
The best bank loans for property investors in Singapore right now are from DBS, OCBC, and UOB, offering fixed rates as low as 1.35-1.8% p.a. with flexible features for buy-to-let mortgages and rental property financing[2][4]. These rates, down from 3.1% earlier in 2025, make 2026 ideal for securing investment property loans amid falling SORA trends[2].
Homejourney prioritizes your safety and trust by verifying real-time rates from all major banks, helping you compare and apply securely via Singpass. This cluster dives into top options for investors, linking back to our Property Investment Financing Complete Guide for full strategies on LTV, ABSD, and cash flow.
Why 2026 is Prime for Property Investment Financing
Singapore's home loan rates have hit 3-year lows, with fixed packages at 1.4-1.8% and 3M SORA at 1.2% as of late 2025, driven by US Fed cuts[2]. Investors can save up to S$4,100 annually on a S$500k loan by switching to bank financing over HDB's 2.6% rate[2]. For buy to let mortgages, banks like DBS offer no-penalty early repayment during lock-ins, ideal for rental yield optimization—see our Rental Yield vs Mortgage guide.
Key investor tip: Factor in ABSD (17% for second properties) and max LTV of 55-75% for investments; use Homejourney's calculator at https://www.homejourney.sg/bank-rates#calculator to check eligibility instantly[2].
Top Banks for Investor Mortgages: Rates and Features
Compare best bank loans for property investors across Homejourney partners. Rates are effective as of early 2026; always verify live data on https://www.homejourney.sg/bank-rates.
| Bank | Best Product | Rate (p.a.) | Lock-in | Investor Perk |
|---|---|---|---|---|
| DBS | 3Y Fixed | 1.55% | 3 years | No penalty on sale; cash rebates up to S$2,800[2][4] |
| OCBC | 2Y Fixed | 1.4-1.6% | 2 years | Overseas property loans up to 60% LTV[3] |
| UOB | 2Y Fixed | 1.35% ($500k+) | 2 years | Free conversion to floating[4] |
| HSBC | SORA Pkg | 1.2% + spread | 2 years | High LTV for investors |
DBS leads for HDB investors switching loans (13x uptake in 2025), saving S$500/month on S$500k[2]. OCBC suits overseas rental property financing in Malaysia/Japan at 3M COF +2.5%[3].
SORA Trends and Rate Outlook for Investors
SORA, Singapore's key benchmark, fell from 3% to 1.2% in 2025, pegging most floating investor mortgages low[2]. Fixed rates halved to 1.4-1.8%, but experts predict modest 2026 declines as Fed easing slows[2].
The chart below shows recent interest rate trends in Singapore:
As seen, SORA stabilized; lock fixed now if rates bottomed. Track live on Homejourney for timing refinances.
Pros, Cons, and Who Each Bank Suits
- DBS: Pros: Lowest fixed (1.55%), rebates; Cons: Higher min loan S$500k. Best for HDB upgraders to investments[2][4].
- OCBC: Pros: Overseas flexibility (55-60% LTV); Cons: Higher spreads post-Year 5. Ideal for regional investors[3].
- UOB: Pros: 1.35% entry rate, flexible conversion; Cons: PTE min S$400k. Great for companies buying rentals[4].
- HSBC/Standard Chartered: Pros: Expat-friendly, high LTV; Cons: Stricter docs. For international investors.
- Maybank/CIMB/RHB: Competitive for mid-tier, but check penalties. Use Homejourney to compare all.
Maybank and CIMB offer solid SORA +1.5% for smaller loans; Public Bank/Hong Leong for niche landed investments.
Actionable Steps to Secure Your Loan
- Compare on Homejourney: Visit https://www.homejourney.sg/bank-rates for real-time rates from DBS to Citibank.
- Calculate Eligibility: Use our tool at https://www.homejourney.sg/bank-rates#calculator—input income, ABSD for instant borrowing power.
- Apply Multi-Bank: Submit once via Singpass; get competing offers. Docs: NRIC, income slips, property Option to Purchase.
- Refinance Smart: Switch if 0.5%+ savings; factor fees (S$2-3k). See LTV & ABSD Guide.
- Find Properties: Search budget-matched investments at https://www.homejourney.sg/search.
Processing: 1-3 weeks; approval on debt ratio <60%, min income S$30k/pa. Disclaimer: Rates fluctuate; consult Homejourney brokers for personalized advice. Not financial advice.
Homejourney: Your Trusted Partner
Homejourney verifies data for confident decisions, with multi-bank apps letting lenders compete for you. Unlike others, we prioritize transparency—no hidden fees, full Singpass integration for speed.
FAQ: Best Bank Loans for Property Investors
What are the lowest investor mortgage rates in 2026?
1.35-1.55% fixed from UOB/DBS for S$500k+ loans[4]. Compare on Homejourney.
Can investors get buy-to-let mortgages?
Yes, up to 55% LTV post-ABSD; floating SORA best for yields. Check multi-property financing.
Fixed or floating for rentals?
Fixed for stability if holding 3+ years; floating tracks low SORA[2].
How to apply via Homejourney?
One form at bank-rates page; Singpass auto-fills, brokers guide free.
Refinancing penalties?
3-5% if early break; many waive on sale[2]. Calculate savings first.
